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Regular Contributor
sybo40
Posts: 105
Registered: ‎11-12-2010
0

GE APP SPREE HELP - 8/18-8/19

Soooo...I am being a bit of a bad boy today, but am trying to get out of subprime hell.  Apped for Wal-mart card on 8/15 and was approved for $600; apped for paypal extras MC and was offered (and accepted) smartconnect offer for $300 today.  Now the QUESTION IS....IF I continue on this GE app spree for three more times today (since the inqs are already there), will they start to see that as a flag and does it kill my chances for approvals with them?  I will DEFINITELY BE in garden mode for the rest of this year AND NEXT YEAR, but want to take advantage today while I can!  I think my TU is higher than what's coming up (currently says 605 and my EQ and EX seem to be hovering right around 595).  Had BK in 2004 (still reporing on EX and EQ, but gone from TU report). 


Starting Score: 490
Current Score: TU: 656; EQ: 607; EX: 642
Goal Score: 700


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Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: GE APP SPREE HELP - 8/18-8/19

Idk how much of a "red flag" that really is... In January, on the same restless night, I app'ed for Chevron, the Paypal MC, Amazon, AND the World Market CC... Only one I got denied was the World Maket card, which ironically has the least info on this board. So maybe four new GE accounts at once is the limit? LOL
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Senior Contributor
jsucool76
Posts: 3,884
Registered: ‎12-11-2011
0

Re: GE APP SPREE HELP - 8/18-8/19

I believe you can only do 3 GE cards or so before they start auto-denying you. YMMV though.
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Valued Contributor
jamesdwi
Posts: 1,970
Registered: ‎09-16-2011
0

Re: GE APP SPREE HELP - 8/18-8/19

I would advise stopping now, your foot is in the door. The more new credit you get the more your scores will go down, GE is allready slapping you down,  I was apprv'd a week ago for a Paypal MC plus with a 685 TU FICO with a 2k limit. If you keep applying you will get sub $500 limit perhaps even the dreaded $150 limit and no CLI's for 6months+. Not sure if its worse to get the $150 limit or a simple denial since you only take the INQ not the new tradeline hit and a limit that says to creditors feel free give me a low limit card I will accept it. 

 

Use the card, pay on time, ask for CLI's in 6 months add more cards if you like, you will have a history and they will be happy to give you more cards. 

 

 


Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 12/15/2014
Regular Contributor
sybo40
Posts: 105
Registered: ‎11-12-2010
0

Re: GE APP SPREE HELP - 8/18-8/19

WARNING HEEDED!  PUTTING COMPUTER AWAY!  NEVER TOUCHING ANY OTHER LINK THAT DOES NOT HAVE THE WORD "GARDEN" IN IT!!  :-) 


Starting Score: 490
Current Score: TU: 656; EQ: 607; EX: 642
Goal Score: 700


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Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: GE APP SPREE HELP - 8/18-8/19

Hahaha... I meant three... As I got denied the fourth... On the fourth app, I noticed my score was 652 vs. 672 for the first three apps, even though they pulled at the same time basically. It quickly recovered though !
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Senior Contributor
jsucool76
Posts: 3,884
Registered: ‎12-11-2011
0

Re: GE APP SPREE HELP - 8/18-8/19

I did 2 GEs within a week or so, stopped there cause I didn't want too many new accounts, though I'm still itching. Lol
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Epic Contributor
Creditaddict
Posts: 22,067
Registered: ‎10-23-2007
0

Re: GE APP SPREE HELP - 8/18-8/19

I still don't understand the "GE COMPUTER"

 

I have many threads back in Nov and Dec. 2011 and then again starting in about May 2012

 

in end I got PayPal MC $2k

Chevron $450 (thought declined, but then card came)

Amazon - Declined with 3 HP, never head of that before - Came back 4 or so months later and instant for $900

Lowes

Walmart

Gap - Declined 2 now!

TJX Store $300 - ODD My best friend got $2k MC with them

 

I also had MANY AU accounts with GE couple Joint Accounts for many many years...

I have only been able to get 1 CLI and that was on Lowes from $500 to $1000 when my balance was $497!

 

it's just all over the map

 

and with the gap also denied Lens Crafters, CareCredit x2,  i know more but can't think of them now.

Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:
Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: GE APP SPREE HELP - 8/18-8/19

GE used to hate me, I have 6 accounts with them now, CLI's every 4-6 month's, I would advise to stop apping for 6 months and then if you want another go for it. Make sure your using the cards and paying me than the minimum also requests CLI at 4 monyh mark.



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
jamesdwi
Posts: 1,970
Registered: ‎09-16-2011
0

Re: GE APP SPREE HELP - 8/18-8/19


LS2982 wrote:
GE used to hate me, I have 6 accounts with them now, CLI's every 4-6 month's, I would advise to stop apping for 6 months and then if you want another go for it. Make sure your using the cards and paying me than the minimum also requests CLI at 4 monyh mark.

you didn't provide him with your P.O. Box number and zip code :smileyvery-happy:


Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 12/15/2014

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